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Whilst working debt is manageable
My discussion title says it all…… I am 70 and still working to service my debt. I was scammed from a crypto fraud and now they have vaporised. I have just short of £40k debt, all unsecured. Comprising of credit cards and a bank loan. I have always paid my way and my debt. I seem to get tired easily these days. My pension…
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Advice before starting DMP
Im embarrassed to even be here so please be gentle :'( After loosing my job during Covid, I’ve exhausted every credit avenue and now at breaking point, having spent the last year taking cash out from credit cards to pay the same credit card minimum monthly payments and all card companies now wanting me to increase payments…
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Back dated default
In hope more than expectation, if a default is backdated should the interest/charges applied since the revised default date be removed?
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JPMC current account
I've just had a notice of a new account being added to my credit file next month. Has anyone any idea who they are? I can only assume one of my old debts has been bought and they are trying to put in on my credit file. I certainly haven't opened any new bank accounts so have no idea what it is until I get full detail after…
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Debt plan that covers secured debts?
Ive just seen that a DMP and IVA cant cover secured loans. Is there anything that does cover secured loans? Not the main mortgage but smaller personal secured loans?
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CCJ can they come after her?
Hi guys A friend of mine got a CCJ on her account for not paying her car finance.. not sure I id's through a car company or the bank. Car has been taken off her.... If she can't pay the full amount of the car which is 30k or something. Can they come after her share of the house she has ??
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SOA advice and help
Hi, I am thinking of applying for a DRO and wanted some advice on my SOA. It will only be me applying and was wondering how it worked. 90% of bills come from my wife's account and I pay one lump sum into her account at the start of every month, will this be an issue when I have to provide bank statements. I have about five…
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unusual question about a DRO
I'm dealing with Christians against poverty in the hope they apply for a DRO for wife and I shortly, But I was asked are we expecting any lump sum in next 12 months, that will take us above £2000 each, we said no, that's true. but I read in a popular newspaper yesterday that this potential miss selling of car salesman hp…
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Rent arrears and on benefits
Hi looking for some advice please In a situation of currently owing £7,800 pounds in rent arrears and being evicted due to unfortunately losing job because of illness and disability and couldn't pay rent after paying it for 1yr and a half reliably with no prior arrears Realistically if the landlord goes to court to claim…
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Creditfix - More Like Creditbreaker
I have been in an IVA with Creditfix since 2018 as I amounted about £41k through reckless borrowing as a late teen and guy in my early 20s at the time. 100% My own fault and I’ll never deny that. Naturally debt became too much and I ended up seeking help and was recommended to Creditfix, who signed me up to an IVA.…
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New to DAS DPP
Good evening all, I'm hoping to sleep for the first time in a long time tonight after having started to address things via SC. It was sobering to see the extent of my debts. Every month I was having to transfer myself money off my cc to stay afloat so it was easy to bury my head in the sand. When I totted things up I…
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Need advice
Hi all, I have been reading threads for the last few weeks and have decided to post my own to gain advice for my situation. Over the past few years I have stupidly run up a great deal of credit card debt through overspending and living beyond my means coupled with crippling nursery fees and mortgage rate increases. I have…
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Capital contribution order from Marston after trial ended Huge Bill!
Yesterday I received a Capital contribution order letters from Marston. This is after me and my husband (who is in prison right now) were convicted in crown court over six months ago. He was initially arrested in May 2020 and then trial was in Sept 2023. The letter is regarding the legal aid costs. Me and My husband both…
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Best CRA to check defaults?
APOLOGIES I CAN’T SEE HOW TO DELETE THIS, ONLY EDIT - I SEE THIS HAS BEEN ANSWERED ON A PREVIOUS POST Can anyone recommend the best place to check for defaults. I am assuming some are better than others, in terms of updating faster and not missing anything (i am convinced one of them doesn’t list half of my creditors) I am…
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Default notice issue
Hi All I’m hoping for some advice with a default issue I have with PayPal Credit and Lowell. I fell into financial trouble in 2021 and PayPal credit was one of the providers I wasn’t able to keep up repayments with. To my knowledge, they never issued me with a default notice but they referred me to Lowell to collect token…
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DMP is this my best option?
Hello. I urgently need some advice on my current debt situation. I live with Bipolar Disorder and during a manic episode in April of this year ran up debts of 6,500.00 This is split over 4 CC & 1 Loan All of the debt I created was via Credit Karma as I in put false details whilst in my manic episode I live alone, currently…
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2 credit file questions
1. What does delinquent mean..my loans list as default but most of my credit cards read ‘delinquent’ 2. Some of my debts are marked as ‘settled’ - i am assuming this is because the debt has been sold, does the new creditor appear in due course on the file? + any advice on what to do with creditors who go to ground i have…
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PayPal Credit default
My PayPal Credit account has showed in my credit report for at least a month now as defaulted. However I’ve never received the default notice from them in the post and they are continuing to write to me and send emails seeking minimum payments? I just received another letter today saying minimum payment by 8th April? I am…
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Virgin Credit Card
I've recently asked Stepchange to end my DMP I've got a few remaining debts one with Virgin balance is 4,273. I've offered them £1,700 as a settlement and they've declined a few months back they've contacted me again and I've offered £2k, they said they'll review in 10 days, I'm asking if anyone has experience with them…
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Can I be compelled?
I currently live in a disabled adapted bungalow that is
run by a charity. My rent is below market value. The charity has decided to hand the community (29
bungalows) to a housing association which will be taking over in July 2024. Looking on HA website, they charge approximately £200 per
month more for a 3-bedroom house…
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Most recent: Ninja Saving Turtles Challenge August 2025 by Thrifty_Taylor
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